Realcor Developments Ltd.

Complaint: ***
I am rejecting this response because: Netspend has not provided me with adequate information pertaining to the disputes that I have filed and appears to have sided with the opposing company that stole money from my account and without my authorization even after I informed the company as well as Netspend
Regards,
*** ***

To Whom It May Concern:We received complaint # *** filed with your office by *** *** *** ***s states that his account was closed June 11, 2015, without reason, but he has not received his check for the remaining fundsHe wants his money and the late fees returnedOur Compliance
Department, in conjunction with Risk Management, regularly monitors our customer’s accounts in efforts to prevent compromising activity, or unacceptable account usageThat department identified risk factors that led to the closing of *** ***s’ account on June 9, We mailed him a check for the remaining funds on June 11th*** ***s notified us that he did not receive the check on July 8thWe are researching the check now to see if it can be reissuedWe will keep *** ***s informed of our progressNetSpend regrets the inconvenience *** ***s experienced while waiting on his checkWe have provided him our contact information should he have any additional questions or concernsThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the activation of her Card Account We are required by the USA PATRIOT Act to obtain, verify, and record information that identifies each person who opens a card account with
us. When our cardholders open a card account or add a secondary cardholder, we ask for their name, physical street address, date of birth, and other information that will allow us to reasonably identify them. The requirement to obtain this information is displayed on the inside flap of the card package and is visible to consumers prior to purchase. Our packaging also informs that the person activating the card must be at least years of age. On January 10, 2017, Ms*** attempted to activate her new Netspend Card Account. MsHutson’s identity information could not be automatically verified. We requested Ms*** to provide copies of her identification documents to verify her identity in order to approve the Card Account A member from our Corporate Office contacted Ms*** on February 13, to discuss her Card Account. As a courtesy, we reimbursed the $fee she was charged to complete the transaction. Ms*** requested to close her account and have a refund check for the remaining balance sent to the address on file. We advised the refund check will take business days to arrive. We have provided Ms*** with our contact information should she have any additional questions or concerns. Thank you, *** *** Customer Experience Specialist Netspend, A TSYS Company

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meWhich is what exactly ? Won't know till April th even tho I've kept telling you people them swindlers are stealing money from my kids and how miss *** *** from baymont said the owner would call he hasn't they are lying I am seeking legal consultation I've had enough someone will lose there job .
Regards,
*** ***

Thursday, March 8, To Whom It May Concern: Thank you for forwarding Mrs*** *** complaint *** to usAs you requested, we addressed this matter directly with Mrs*** on March 7, by telephoneWe emailed Mrs*** the details outlining our actions to resolve her
concernsThank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concernThank you, *** ** ***Customer Experience Specialist Netspend, a TSYS Company

Wednesday, March 2,
To Whom It May Concern:
We received additional comments on complaint # *** filed with your office by *** *** concerning a 15% hold added to her car rentalShe’s requesting information about the additional hold
Our cardholders can use their NetSpend card at car rental and storage agencies that accept prepaid cards; however, a 15% deposit, in addition to the cost of the rental, is generally requiredThe additional amount can be used by the merchant for incidentals that occur during the rentalOnce the merchant collects for the cost of the rental, the additional deposit amount will be released back into the account, minus any fees charged
NetSpend regrets the inconvenience that Ms*** experienced as a result of the car rental holdWe have provided her with our contact information should she have any additional questions or concerns
Thank you,
*** ** *** Corporate Customer Response Team
NetSpend A TSYS Company

Complaint: ***
I am rejecting this response because: THE PHONE NUMBER THAT WAS GIVEN TO ME SEVRAL TIMES TO CALL ; 512-539-, WAS NOT A PHONE NUMBER THAT IS IN WORKING ORDER AND I SENT THAT MESSAGE TO HIM TWICE THROUGH THE EMAILS THATG HE HAD SENT ME AND NO REPLY TO A NEW PHONE NUMBER OR WHAT EVER TO CALL HIM AT SO THE SAME OFFER STANDS
Regards,
*** ***

Friday, July 14, To Whom It May Concern: Thank you for forwarding Mr*** ***’ complaint # *** to usAs you requested, we addressed this matter directly with Mr*** on July 13, and 14, by way of telephoneWe emailed Mr*** the details of the actions to resolve his
complaint on July Thank you for bringing this matter to our attention and giving us the opportunity to resolve our cardholder’s concernThank you, *** ** ***Customer Experience Specialist Netspend a TSYS Company

Tuesday, September 13, 2016To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning a dispute on her account On August 8, 2016, Ms*** contacted us to dispute two transactions made on her card account We immediately opened a dispute
claim and began our investigationWe also informed Ms*** of the investigation timeframes afforded under Regulation E We received Ms*** letter of dispute on August 22, That same day, we determined that she was not eligible for a provisional (temporary) creditHowever, we continued our efforts to investigate her claim. In response to her communication, we spoke with Ms*** on September 9, and we issued a provisional credit for the disputed transactionsHer claim is scheduled to be finalized by October 11, . We’ve confirmed that the documentation we provide concerning dispute claims has the correct contact information includedIn reviewing this matter with Ms***, we found that she received an invalid dispute fax number from our Customer Service DepartmentWe apologize that Ms*** was provided the incorrect fax number to send her written letter of dispute We have reported this incident to the management staff of the customer service agents she spoke with to ensure this is addressed.We have provided Ms*** with our contact information should she have any additional questions or concerns Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received a rebuttal complaint # *** filed with your office by *** ***Ms*** states that she does not accept our responseNetSpend is waiting for Ms*** to send us the cancelled service agreement with Time Warner CableHer disputes claim will remain closed until we receive a document, confirming that her service was cancelled with Time Warner CableOn September 1, 2015, we left Ms***’s a voicemail and e-mail with our contact information, should she need further assistanceThank you,*** ** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning her dispute claim. On April 1, 2016, Ms*** contacted Netspend to open a disputes claim for a transaction that may have been related to a scam We immediately opened a dispute
claim and began our investigation. On April 15, we determined that Ms*** was not eligible for a provisional creditHowever, we continued our investigation of her claim We also submitted a chargeback request through the Visa Card networkMs*** claim is scheduled to be finalized on July 15. On March 25, we spoke with Ms*** by phone to explain how the disputes process works for a foreign merchantIf Ms*** claim is successful, we will issue a credit to her account once it finalizes.We have provided Ms*** with our contact information should she have any additional questions or concerns Thank you,*** ***Corporate Customer Response TeamNetSpend A TSYS Company

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning the inconvenience he experienced with activating his NetSpend cardHe’s requesting the Limited Use account restriction to be lifted from his card. To help the Federal Government fight
against funding terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a prepaid debit card accountWhen our cardholders open a card account, we will ask for their name, physical street address, date of birth, and other information that will allow us to reasonably identify them. This information can be found on the outside of our card packaging. In addition we inform the customer on the front of the package this is not a gift card. Mr*** attempted to activate his NetSpend card on December 26, Additional information was needed to fully activate his account, and our customer service requested for Mr*** to send in identity documentsThe document received was not acceptable to activate his accountThe Limited Use option was offered to Mr*** as a method to obtain the funds on his account without sending in identity documents, and he accepted on December 27thLimited Use allows funds to be dispensed from the NetSpend card at the point of sale using PIN and Signature transactionsOnce the funds are dispensed, the account will close and the card can be discardedWhen the card is converted to Limited Use, it cannot be reversed. We spoke with Mr*** on January 5, and he requested a call at a later dateWe will contact him on January 8th as requestedNetSpend regrets the inconvenience that Mr*** experienced while attempting to fully activate his cardWe have provided him with our contact information should he have any additional questions or concerns. Thank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

Wednesday, April 13, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning his personal information and access to his fundsWe are required to obtain, verify, and record information that identifies each person who opens a prepaid debit
card accountWhen our cardholders open a card account or add a secondary cardholder, we ask for their name, physical street address, date of birth, and other information that will allow us to reasonably identify them. The requirement to obtain this information is displayed on the inside flap of the card package and is visible to consumers prior to purchaseThe card package also states that use of the card is limited prior to identity verification and the fees are listed on the outside cover for viewing before purchasingOn April 9, 2016, Mr*** attempted to activate his NetSpend card, but we were unable to verify his identify using the information he providedWe asked Mr*** to send us copies of identifying documents to verify his information and manually approve his account. We were unable to accept the documents Mr*** provided. We contacted Mr*** on April to provide different options that are available to access his funds. Mr*** informed us that he will not send any more documents and that he does not want the remaining funds on his card. We sent an email to Mr*** providing options to access the funds on his card if he decides that he wants the money returnedWe apologize for the poor service that Mr*** experienced with our Customer Service Department. We have reported this incident to the management staff of the customer service agents he spoke withNetspend prides itself on the additional security measures we add to our processes in order to verify customer identity and protect our customer’s moneyWhile we understand these measures are sometimes inconvenient, we truly believe that our processes make for a safer and more secure financial productWe have provided Mr*** with our contact information should he have any other concernsThank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

Complaint: ***
I am rejecting this response because: The amount was not put back on my accountIf the account was closed and I was due a refund check, how could the money be put back on a closed account? This has been on going for months now and I would like my refund
Regards,
*** ***

To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning a restriction on his card account During routine monitoring, we placed a temporary restriction on Mr*** account on December 21, 2016, because we detected suspicious
activity. As a protection for Mr*** account funds, that card was also blocked. Mr*** contacted our Customer Service Department later the same day and confirmed the attempted charge was unauthorized. We ordered a replacement card to be sent to his address on file. On December 24, Mr*** spoke with our Customer Service and requested to transfer his remaining funds to his son’s card account. Due to the restriction on his card account the transfer funds feature was disabledMr*** requested to close his account and to receive a refund check. Mr*** account was closed on December 29, and he will receive a check for the remaining funds within ten business days. A member of our Corporate Response Team spoke with Mr*** on January 5, 2017, and explained how the process of our Risk Management protection works. We informed Mr*** the check for his remaining funds was mailed to his address on January 4. We also provided him information on his new card account he ordered online. We apologize for the service that Mr*** experienced with our Customer Service Department. We have reported this incident to the management staff of the customer service agents he spoke with Mr*** has been provided with our contact information should he have any additional questions or concerns. Thank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

Friday, May 8, 2015To Whom It May Concern:We received complaint # *** filed with your office by *** ***. Ms*** states that she was charged decline fees on her Skylight card. She wants the fees refunded and an apology. On May 8, we contacted
Ms*** and resolved her issue. The fees she incurred are a part of the Client agreement with this type of pay-card. We set up additional text message alerts so she will be notified on each transaction. We also recommended the website www.skylightpaycard.com, so she can view the full terms of her card. Skylight Financial regrets the inconvenience that Ms*** experienced with her pay-card. She has been given our contact information should she have any additional questions or concerns. Thank you,*** ** ***Corporate Customer Response TeamSkylight Financial a NetSpend Company

Monday, June 13, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning his disputes claim. On June 3, 2016, Mr*** disputed several unauthorized transactions that posted to his account We
promptly blocked his card to prevent any further unauthorized use and ordered a replacement. We immediately opened a dispute claim and began our investigation. We also informed Mr*** of the investigation timeframes afforded under Regulation E. On June 9, we concluded our investigation of Mr***’s dispute claim and determined an error did not occur. Our Risk Management Team also closed Mr***’s account due to risk factors that were identified and determined that he is no longer eligible for products managed by NetSpend. Upon receiving Mr***’s complaint, we spoke with him to discuss his dispute claim. Mr*** provided additional information regarding his claim that was relayed to our Dispute Department. After our reinvestigation of his dispute claim, we issued full reimbursement for the disputed transactions. A check for Mr***’s remaining balance will be mailed to his address and should be received in business days We have provided Mr*** with our contact information should he have any additional questions or concerns. Thank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

Tuesday, June 14, To Whom It May Concern: We received complaint # *** filed with your office by *** *** concerning her son’s card activation. We are required by the USA PATRIOT Act to obtain, verify, and record information that identifies each person who
opens a card account with us. When our cardholders open a card account or add a secondary cardholder, we ask for their name, physical street address, date of birth, and other information that will allow us to reasonably identify them. The requirement to obtain this information is displayed on the inside flap of the card package and is visible to consumers prior to purchaseThe card package also states that use of the card is limited prior to identity verification and the fees are listed on the outside cover for viewing before purchasingWe notify the purchaser underneath the card price that this is not a gift card. On June 11, 2016, Ms*** attempted to activate a new NetSpend card in her son’s name. Because his identity information could not be verified, Ms*** agreed to convert the card to ‘Limited Use’. The ‘Limited Use’ option allows the card to be used for in-store purchases only, online or over-the-phone transactions are not permitted. This type of card conversion is irreversible. Once all the funds are dispensed, the card can be destroyed because it cannot be reloaded. Upon receiving her complaint, we reached out to Ms*** on June 13, but unfortunately, we have not had the opportunity to speak with her. In an email, we explained the ‘Limited Use’ card and informed her there have been no attempts to use the card after it was activated We apologize for the service that Ms*** experienced with our Customer Service Department. We have reported this incident to the management staff of the customer service agent she spoke with We have provided Ms*** with our contact information should she have any additional questions or concerns. Thank you, *** ** *** Corporate Customer Response Team NetSpend A TSYS Company

Friday, February 03, 2017To Whom It May Concern:We received complaint # *** filed with your office by *** *** concerning his refund check. On September 30, 2016, our Risk Management Team closed Mr*** Card Account due a previous Card Account he had with us Mr
*** is no longer eligible for products managed by NetSpendOn October 3, we mailed Mr*** a refund check for his remaining funds to the address on fileWe informed Mr*** that his check should arrive in 10-business days On October 25, Mr*** contacted our Customer Service Department to inform us that he did not receive his check We confirmed that the check had not been cashed and a second check was mailed on October to Mr*** address on file. A member of our Corporate Response Team spoke with Mr*** on January 31, 2017, regarding the status of the check We informed him that we will resend the refund check with a tracking number to ensure the check arrives at his address We will provide him with the tracking number as soon as it is available. We have provided Mr*** with our contact information should she have any additional questions or concerns Thank you,*** *** Corporate Customer Response TeamNetSpend, a TSYS Company

Complaint: ***
I am rejecting this response because: I have not received any phone calls in regards to my account with NetspendAs stated in the dispute that was sent over in the comments stated that it was being disputed for insuranceAlthough this is not the insurance company that I had mentioned when I spoke with the representative from tell comingI recently reached out to there customer service department and they advise that there wasn't any updated information and never offeted to connect me with *** My finance comeanies attorney has also been trying to get this resolved on their end as the merchant consider the cmoments put in the the disputeI had to open up another dispute due them not posting the money back in my or account or in the merchants account after I contacted them and advise that I never provoded authorization for a dispute to this merchant I had called and inquiring on my car insurance and the dispute wasn't even placed on the insurance which was in question it was out on the transaction of to Honor Finance
Regards,
*** *** ***